Australians in control of their financial lives

The Government is committed to lifting Australia's financial capability, empowering Australians to make the most of their financial resources.

Australians' financial attitudes and behaviours*

59 % Pay their credit card balance in full each month
77 % Had a budget in the past 6 months
40 % Understand the concept of diversification
53 % Pay more than the minimum amount due on their mortgage

*Australian Financial Attitudes and Behaviour Tracker, Wave 6, 2018

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Financial Capability agenda

Australia's Financial Capability strategy is being refreshed. If you are a practitioner, educator, researcher, policy maker, academic or other professional who is interested in financial capability, Treasury would like to hear from you. What do you think a financially capable Australia looks like and how can we make it a reality? To find out more about this process or to get involved, email

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National Financial Capability Strategy

The National Financial Capability Strategy informs and drives actions to improve the financial capability of Australians.

The National Strategy identifies three behavioural areas in which Australians can be empowered to take control of their financial lives:

  • Managing money day-to-day
  • Making informed money decisions
  • Planning for the future

Read the Strategy

Download PDF [3.41MB]


Measuring the impact of financial capability

Many people and organisations are working across Australia to improve financial capability and deliver on the vision of the National Financial Capability Strategy. We do this work because we believe it makes a difference to the wellbeing of people and communities. But how do we decide what changes we are working towards, and how do we measure the impact of this work?

What is Australia doing?

The below organisations deliver initiatives aligned to the National Strategy that empower Australians to be in control of their financial lives.

Australian Competition & Consumer Commission
Australian Defence Force Financial Services Consumer Centre
Australian Financial Security Authority
Australian Securities and Investments Commission
Australian Taxation Office
Australian Treasury
Department of Agriculture and Water Resources
Department of Communities, Disability Services and Seniors QLD
Department of Human Services
Department of Social Services
Fair Work Ombudsman
Government of South Australia
Indigenous Business Australia
Legal Aid NSW
Legal Aid Queensland
Legal Services Commission of South Australia
Queensland Government
Reserve Bank of Australia
State Government of Victoria
ABS Institute of Management
Association of Financial Advisers
Association of Superannuation Funds of Australia Limited
Australia and New Zealand banking group
Australian and New Zealand Institute of Insurance and Finance
Australian Banking Association
Australian Retail Credit Association
Bank Australia
Beyond Bank
Chartered Accountants Australia and New Zealand
Commonwealth Bank of Australia
Commonwealth Superannuation Corporation
Credit Union Australia
Customer Owned Banking Association
Financial Planning Association
Financial Services Council
Flight Centre Travel Group
Horizon Credit Union
Hume Bank
Institute of Public Accountants
Insurance Australia Group
Insurance Council of Australia
ME Bank
National Australia Bank
National Insurance Brokers Association
Self Managed Super Funds Association
Suncorp Group
Teachers Mutual Bank
The Good Guys
Verve Super
Westpac Davidson Institute
ADA Australia
Anglican Community Care
Anglicare NT
Anglicare SA
Australian Business and Community Network
Australian Financial Complaints Authority
Australian Shareholders Association
Autism CRC
BaptistCare NSW & ACT
Benevolent Society
Berry Street Victoria
Brotherhood of St Laurence
Business Foundations
Care Financial Counselling Service
Casey North Community Information and Support Service
Centacare Catholic Country SA Limited
Christian Community Aid
Christians Against Poverty Australia
Consumer Action Law Centre
Consumer Credit Legal Service WA
Country Women’s Association of Australia
Country Women's Association of NSW
Deloraine House Inc
Devonport Community House
Economics and Business Educators NSW
Financial and Consumer Rights Council Inc
Financial Basics Foundation
Financial Counselling Australia
Financial Counsellors' Association of NSW
Financial Rights Legal Centre
Financial Toolbox Inc.
First Nations Foundation
Foresters Group
Foundation for Young Australians
George Street Neighbourhood Centre
Girl Guides Australia
Global Sisters
Good Return
Good Shepherd Australia New Zealand
Good Shepherd Microfinance
Hobart City Mission
Hope City Mission
Indigenous Consumer Assistance Network
JA Australia
Jacaranda Community Centre Inc
Jewish Care
Kids Can
Lutheran Community Care
Many Rivers Microfinance
Midland Information, Debt and Legal Advocacy Service
Multilink Community Services
National Debt Helpline
National Older Women's Network - Australia
Northern Rivers Community Gateway
Participate Australia
Redfern Legal Centre
Rural Financial Counselling Service North Queensland
Seniors Rights Victoria
St Vincent de Paul Society
The Ethics Centre
The NILS Network of Tasmania
The Salvation Army - Eastern Australia
The Smith Family
The Spiers Centre
Thriving Communities Partnership
UnitingCare Queensland
UnitingCare Wesley Boden
UnitingCare West
Uniting Kildonan
Wesley Mission
Women's Health Goulburn North East
Women's Health in the North
Women's Information and Referral Exchange Inc.
Women's Legal Service Tasmania
Wunan Foundation
Australian National University
Australian Primary Principals' Association
Australian Secondary Principals' Association
Centre for Social Impact, UNSW
Deakin University
Flinders University Student Association
Griffith University
ICAN Learn
La Trobe University, Student Union
Macquarie University
RMIT University
Swinburne University of Technology
The University of Adelaide - Adelaide Business School
The University of Melb, Vic - Dept of Finance and Melb Graduate School of Education
The University of Newcastle
The University of Sydney Business School
The University of Western Australia Business School
University of Canberra
University of South Australia
University of Technology Queensland - Indigenous Research and Engagement Unt
University of Technology Sydney - Business School
Western Sydney University - School of Business


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The Financial Capability website is managed by the Australian Treasury, as the lead Australian Government agency for financial capability.

Treasury is the Government’s pre-eminent economic adviser. This is a significant responsibility which relies on our professionalism, judgment and expertise in providing advice to the Government that supports the effective management of the Australian economy.

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